Systems and methods for credit line management

Abstract

Disclosed systems and methods may receive real-time, external credit line information into one or more source applications. Thereafter, the real-time, external credit line information may be merged with internal credit line information and legacy information via a data orchestrator. The merged information may be further consolidated via the data orchestrator resulting in one or more micro batches of merged credit line information that are transmitted to a credit line decisioning system at frequent intervals. At least one exclusion rule may be applied to the transmitted credit line information, and thereafter, the transmitted credit line information may be provided to an interactive visual tool for real-time credit line management. The interactive interface allows for a user to incorporate real-time credit line information into credit line management decision-making. Thus, the credit line management system described herein provides real-time credit line information to enable real-time decision-making regarding credit line increase, decrease, and closure.

1 - 17 . (canceled) 
     
     
         18 . A method comprising:
 receiving one or more records, based on customer account data, from a data streaming platform;   applying one or more global exclusion rules to the records, wherein the global exclusion rules are formulated to remove records that do not require decisioning, including records of perfect credit scores, lost credit cards, and stolen credit cards;   applying one or more local exclusion rules to the records, wherein the local exclusion rules are formulated to remove exception records, including records of perfect credit scores, lost credit cards, stolen credit cards, and other exceptional criteria;   for a record in the one or more records that passes the one or more global exclusion rules and the one or more local exclusion rules, assigning to the record a credit decision path including one chosen from the set of: credit line increase, credit line decrease, and credit line closure.   
     
     
         19 . The method of  claim 18 , further comprising:
 transmitting the credit decision path to a downstream system.   
     
     
         20 . The method of  claim 19 , further comprising:
 transmitting audit and reporting data to a reporting and analysis system.   
     
     
         21 . The method of  claim 18 , wherein the credit decision path is transmitted to an interactive visual tool for display. 
     
     
         22 . The method of  claim 21 , wherein the interactive visual tool is configured for real-time credit line management. 
     
     
         23 . The method of  claim 18 , wherein the method further includes using a credit line decisioning system to apply the exclusion rules. 
     
     
         24 . The method of  claim 18 , further including applying grid-based exclusion rules. 
     
     
         25 . The method of  claim 18 , wherein the global exclusion rules are further configured to remove records above a certain threshold amount. 
     
     
         26 . The method of  claim 18 , wherein the local exclusion rules are configured to exclude specific records based on a category code. 
     
     
         27 . The method of  claim 18 , wherein the method further includes using line assignment logic to determine the credit decision path. 
     
     
         28 . The method of  claim 27 , wherein the line assignment logic includes retry logic and routing logic. 
     
     
         29 . The method of  claim 28 , wherein the retry logic is configured to use a circuit breaker pattern. 
     
     
         30 . The method of  claim 18 , wherein the global exclusion rules and the local exclusion rules are configured for reuse. 
     
     
         31 . A system comprising:
 at least one processor; and   at least one memory storing instructions that, when executed by the at least one processor, cause the at least one processor to:   receive one or more records, based on customer account data, from a data streaming platform;   apply one or more global exclusion rules to the records, wherein the global exclusion rules are formulated to remove records that do not require decisioning, including records of perfect credit scores, lost credit cards, and stolen credit cards;   apply one or more local exclusion rules to the records, wherein the local exclusion rules are formulated to remove exception records, including records of perfect credit scores, lost credit cards, stolen credit cards, and other exceptional criteria;   for a record in the one or more records that passes the one or more global exclusion rules and the one or more local exclusion rules, assigning to the record a credit decision path including one chosen from the set of: credit line increase, credit line decrease, and credit line closure.   
     
     
         32 . The system of  claim 31 , wherein the instructions further comprise:
 transmitting the credit decision path to a downstream system.   
     
     
         33 . The system of  claim 32 , wherein the instructions further comprise:
 transmitting audit and reporting data to a reporting and analysis system.   
     
     
         34 . The system of  claim 31 , wherein the credit decision path is transmitted to an interactive visual tool for display. 
     
     
         35 . The system of  claim 34 , wherein the interactive visual tool is configured for real-time credit line management. 
     
     
         36 . The system of  claim 31 , wherein the instructions further comprise:
 applying grid-based exclusion rules.   
     
     
         37 . The system of  claim 31 , wherein the global exclusion rules and the local exclusion rules are configured for reuse.